🌐 Live Demo | 🎥 Watch Demo Video
CreditRamp bridges traditional fintech with DeFi on the Stellar blockchain, allowing small and medium-sized businesses (SMBs) to convert Stripe cashflows into stablecoins and access instant credit or high-yield lending via Blend Capital. By analyzing Stripe revenue data for simple underwriting, it shifts SMBs from low-yield bank accounts to efficient DeFi liquidity—fast, low-cost, and global.
Built for the Stellar Hackathon, this MVP demonstrates cash-to-DeFi use cases, improving Blend protocols with data-driven credit for broader adoption.
CreditRamp Dashboard showing Stripe integration, lending pools, and auto-lend functionality
- Stripe Connect Integration: Link your Stripe account (Test Mode) to fetch revenue history for credit scoring.
- Fiat-to-Stablecoin OnRamp: Use Stripe Crypto OnRamp to deposit fiat and convert to USDC on Stellar.
- Instant Credit Underwriting: Basic scoring based on average monthly revenue to determine borrow limits.
- Blend Pool Lending/Borrowing: Supply collateral, earn APRs (5-15%+), or borrow against positions with health factor monitoring.
- User-Friendly Dashboard: One-screen flow with sliders, real-time visuals, and non-custodial Stellar transactions via Freighter wallet.
- Testnet Demo: Simulate SMB data and transactions on Stellar Testnet for hackathon pitches.
- Frontend: Next.js with Tailwind CSS for responsive UI.
- Backend: Node.js for handling Stripe APIs and webhooks.
- Blockchain: Stellar SDK, Blend SDK (JS), Soroban for custom contract logic.
- Wallet Support: Freighter or Albedo for signing transactions.
- Deployment: Vercel for hosting the web app; Stellar Testnet for blockchain ops.
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Clone the repo:
git clone git@github.com:open-biz/CreditRamp.git cd CreditRamp -
Install dependencies:
pnpm install -
Set up environment variables in
.env.local:STRIPE_SECRET_KEY=sk_test_... STRIPE_PUBLISHABLE_KEY=pk_test_... STELLAR_NETWORK_PASSPHRASE="Test SDF Network ; September 2015" STELLAR_RPC_URL="https://horizon-testnet.stellar.org" -
Run the development server:
pnpm run devOpen http://localhost:3000 in your browser.
- Connect Wallet & Stripe: On the home page, connect your Stellar wallet (e.g., Freighter) and authorize Stripe (Test Mode).
- Deposit Funds: Use the Stripe OnRamp to simulate fiat deposits converting to USDC.
- Get Credit Score: App analyzes mock revenue data to display your credit limit.
- Lend or Borrow: Select a Blend pool, supply collateral, and borrow with one-tap transactions.
- Demo Wow Factor: Watch real-time animations as credit "boosts" and yields accrue.
For full demo script: Simulate a $1k Stripe payout → Convert to USDC → Underwrite credit → Borrow $500 test asset → Show health factor and APRs.
Focus on enhancing underwriting logic or adding more Blend integrations.
MIT License. See LICENSE for details.
- Inspired by Blend Pool Creator (GitHub: ELDEVODE/blend-pool-creator).
- Built with docs from Stripe Crypto OnRamp, Blend Lending Guide, and Blend Integration Docs.
- Thanks to Stellar for the ecosystem!